Gavop's guide to buying homeowners insurance in Paris, KY covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $46,500 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $127,000 | $110,000 | $100,000-$125,000 |
| 3 Bedroom | $198,500 | $180,000 | $175,000-$200,000 |
| 4 Bedroom | $166,000 | $150,000 | $175,000-$200,000 |
| 5 Bedroom | $227,500 | $190,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$135 | $661 |
| Superior Protection Discount | -$72 | $725 |
| Fire & Security Discount | -$56 | $741 |
| Hail Resistant Roof Discount | -$24 | $772 |
| Newly Constructed Home Discount | -$183 | $613 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Bourbon County | $2,000 | $783 | $2,783 | $569 | $2,569 | $214 |
| Paris, KY | $2,000 | $787 | $2,787 | $572 | $2,572 | $215 |
| Midway, KY | $200 | $1,022 | $1,222 | $742 | $942 | $279 |
| Sharpsburg, KY | $1,000 | $761 | $1,761 | $553 | $1,553 | $208 |
| Woodford County, KY | $300 | $879 | $1,179 | $639 | $939 | $240 |
| Wilmore, KY | $700 | $848 | $1,548 | $616 | $1,316 | $232 |
| Williamstown, KY | $400 | $836 | $1,236 | $607 | $1,007 | $228 |
| Owen County, KY | $700 | $649 | $1,349 | $472 | $1,172 | $177 |
| Maysville, KY | $100 | $689 | $789 | $501 | $601 | $188 |
| Henry County, KY | $700 | $733 | $1,433 | $533 | $1,233 | $200 |
| Morehead, KY | $400 | $659 | $1,059 | $479 | $879 | $180 |
| Tollesboro, KY | $2,000 | $645 | $2,645 | $469 | $2,469 | $176 |
| Home Insurance Company Paris, KY | Homeowners Insurance Agency Paris, KY | Address | Popularity Score | Distance from Paris (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Woodford Hill Thompson | 500 Main St, Paris, KY, 40361 | 2.7 | |
| State Farm | Steve Woodrum | 102 Finley Dr Ste 80, Georgetown, KY, 40324-6009 | 13.6 | |
| Travelers | Strong Agency Llc | 80 Codell Dr Ste 120, Lexington, KY, 40509 | 15.1 | |
| State Farm | Clint Conrad | 201 Ruccio Way Ste 120, Lexington, KY, 40503-3584 | 18.8 | |
| Erie | Jeff Hutchison Insurance Services | 121 Prosperous Place Suite 9b, Lexington, KY, 40509 | 15.4 | |
| Travelers | Whitenack Souder Insurance | 204 S Main St, Harrodsburg, KY, 40330 | 42.2 | |
| Allstate | Terrill Williams | 2465 Nicholasville Rd Ste A, Lexington, KY, 40503 | 18.0 | |
| Travelers | Morris Insurance Inc | 218 Main St, Paris, KY, 40361 | 2.8 | |
| State Farm | Joel Shaw | 1435 Main St, Paris, KY, 40361-1201 | 2.2 | |
| State Farm | Dawn Stice | 121 Prosperous Pl Ste 11a, Lexington, KY, 40509-1834 | 15.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $610 | $1,270 | $660 |
| Bourbon County, KY | $144,900 | $793 | $530 | $1,130 | $600 |
| Paris, KY | $146,300 | $796 | $540 | $1,130 | $590 |
| Midway, KY | $177,800 | $1,034 | $750 | $1,430 | $680 |
| Sharpsburg, KY | $96,100 | $770 | $550 | $1,050 | $500 |
| Woodford County, KY | $188,200 | $890 | $610 | $1,270 | $660 |
| Wilmore, KY | $173,200 | $858 | $580 | $1,220 | $640 |
| Williamstown, KY | $115,600 | $846 | $620 | $1,200 | $580 |
| Owen County, KY | $99,100 | $657 | $470 | $930 | $460 |
| Maysville, KY | $111,200 | $697 | $500 | $980 | $480 |
| Henry County, KY | $126,100 | $742 | $510 | $1,020 | $510 |
| Morehead, KY | $102,000 | $667 | $460 | $920 | $460 |
| Tollesboro, KY | $70,700 | $653 | $470 | $930 | $460 |